Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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The average insurance prices for a Toyota RAV4 Hybrid are $1,230 every 12 months with full coverage. Comprehensive insurance costs on average $260, collision insurance costs $450, and liability is $384. A liability-only policy costs around $432 a year, and high-risk insurance costs $2,656 or more. 16-year-old drivers cost the most to insure at up to $4,598 a year.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different RAV4 Hybrid trim levels.
Price Range Variability
For the average driver, Toyota RAV4 Hybrid insurance rates range from the cheapest price of $432 for the bare minimum liability coverage to a much higher rate of $2,656 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The price range example below illustrates how location impacts car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details average Toyota RAV4 Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $708
- Raising to $1,000 deductibles will save around $162 annually
- The average price for a good driver age 40 with $500 deductibles is $1,230
- Buying more expensive low deductibles costs an extra $312 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,656
- Policy cost to insure a 16-year-old driver with full coverage may cost $4,598
Car insurance rates for a Toyota RAV4 Hybrid also range considerably based on liability limits and deductibles, your driving record, and the trim level of your RAV4 Hybrid.
Opting for high physical damage deductibles can reduce rates by up to $480 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 136% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Toyota RAV4 Hybrid insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or at least $1,660 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,108 | -$122 | -9.9% |
| Alaska | $942 | -$288 | -23.4% |
| Arizona | $1,018 | -$212 | -17.2% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,400 | $170 | 13.8% |
| Colorado | $1,172 | -$58 | -4.7% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,388 | $158 | 12.8% |
| Florida | $1,534 | $304 | 24.7% |
| Georgia | $1,136 | -$94 | -7.6% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $914 | -$316 | -25.7% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,164 | -$66 | -5.4% |
| Kentucky | $1,676 | $446 | 36.3% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $980 | -$250 | -20.3% |
| Michigan | $2,132 | $902 | 73.3% |
| Minnesota | $1,030 | -$200 | -16.3% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,088 | -$142 | -11.5% |
| Montana | $1,318 | $88 | 7.2% |
| Nebraska | $966 | -$264 | -21.5% |
| Nevada | $1,472 | $242 | 19.7% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,372 | $142 | 11.5% |
| New Mexico | $1,086 | -$144 | -11.7% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $706 | -$524 | -42.6% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $846 | -$384 | -31.2% |
| Oklahoma | $1,260 | $30 | 2.4% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,170 | -$60 | -4.9% |
| Rhode Island | $1,638 | $408 | 33.2% |
| South Carolina | $1,116 | -$114 | -9.3% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $908 | -$322 | -26.2% |
| Vermont | $840 | -$390 | -31.7% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $946 | -$284 | -23.1% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $850 | -$380 | -30.9% |
| Wyoming | $1,094 | -$136 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $336 | $562 | $316 | $1,350 |
| 2023 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2022 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2021 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2019 Toyota RAV4 Hybrid | $270 | $484 | $376 | $1,266 |
| 2018 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2017 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Toyota RAV4 Hybrid Insurance
Finding cheaper rates on insurance for a Toyota RAV4 Hybrid consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.
The items below are a brief recap of the primary concepts that were touched on above.
- You may be able to save as much as $150 per year just by shopping early and online
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,430 more each year to insure their RAV4 Hybrid
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- Teen drivers are expensive to insure, as much as $383 each month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,598 |
| 20 | $2,826 |
| 30 | $1,278 |
| 40 | $1,230 |
| 50 | $1,124 |
| 60 | $1,104 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,398 |
| $500 | $1,230 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,307 |
| 100/300 | $1,403 |
| 250/500 | $1,652 |
| 100 CSL | $1,345 |
| 300 CSL | $1,556 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,562 |
| 20 | $4,498 |
| 30 | $2,712 |
| 40 | $2,656 |
| 50 | $2,534 |
| 60 | $2,512 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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